You are in the mid middle class since you live in a HDB flat. If you are ambitious and wants to move up the social ladder to the upper middle class, you need to upgrade to a private condo. The top 20% lives in private properties.

Now is a good time to upgrade to a private condo since condo prices has not gone up much. Buy a resale condo as it is cheaper than new launch condos.

You can find very affordable resale private condos in the OCR such as those condos in the north region eg. Yishun, Sembawang and Woodlands. The north region condos are undervalued and will appreciate in the long run when the region develops further and when the Thomson MRT line opens.